1315 Bay St, Alameda, CA 94501 Property Records

Alameda County property record for 1315 Bay St, Alameda, CA 94501

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,613 sqft · built 1906
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (May 1999)
Tax Bill	$16,681 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`72-373-15`

Property Details

APN / Parcel Number

Primary APN	`72-373-15`
Alternative APN	`072-0373-015-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,613 sqft Living Area
Gross Area	660 sqft
Basement Area	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1970
Architectural Style	L-Shape
Exterior Material	Wood Shingle
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1315 BAY ST
City	ALAMEDA
State	CA
Zip	94501-3915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LOT: 00015 BLK: AR: 0072 PAGE: 0373
Jurisdiction	ALAMEDA CA
Township / Civil Division	ALAMEDA
Census Block Group	1
Census Block	1006
Census Tract	427800

Owner

1315 Bay St is owned and occupied by two individuals who bought it in May 1999.

Source: Alameda County records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1315 BAY ST, ALAMEDA, CA 94501-3915
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 13, 2017	Deed of Trust, Mortgage · ARM BOFI FEDERAL BANK
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 1999 · Amount on File
Deed Sale	May 28, 1999 · Amount on File
Prior Sale	Jun 8, 1995 · Amount on File
Deed Document Number	1999203072
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	1315 BAY ST, ALAMEDA, CA 94501-3915
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 BAY ST, ALAMEDA, CA 94501-3915

Mortgage

Document Number	0000022996
Date	Jan 20, 2021
Instrument	2021022996

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	1315 BAY ST, ALAMEDA, CA 94501-3915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128666
Date	Jun 13, 2017
Instrument	2017128666

Lender

Name	BOFI FEDERAL BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2022
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	10.6%
Index	1-Year LIBOR
Max Rate	10.6%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALAMEDA CA
Property Address	1315 BAY ST, ALAMEDA, CA 94501-3915
Document Number	0000099924
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1315 BAY ST ALAMEDA CA 945013915, ALAMEDA, CA 94501-3915

Mortgage

Document Number	0000099924
Date	Apr 30, 2020
Instrument	99924

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 29, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1315 Bay St was $16,681 with a homeowner's exemption.

Source: Alameda County assessment roll, as of August 5, 2026

Property Jurisdictions

Type	Name
State	California
County	Alameda County
Municipality	Alameda City
Unified School District	Alameda City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,113,235 (+1.36%) Land $311,799 Building $808,436
2025	$16,681.00 Homeowner's exemption	$1,098,271 Land $305,685 Building $792,586
2023	$15,740.00 Homeowner's exemption	$1,055,633 Land $293,818 Building $761,815	$2,490,570

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1315 Bay St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective May 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1998–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1315 Bay St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EAST BAY MUD serves 1,468,000 people · EPA ID CA0110005
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,005 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Telecom Fiber	10,000 / 10,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Unwired Fixed Wireless	300 / 25
Verizon Fixed Wireless	300 / 20
Etheric Networks Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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